Private checking
A personal operating account with no monthly fee and a dedicated banker.
A banker who knows the whole picture
A single relationship for deposit accounts, payments, lending and the family details that make a financial life work.
Private banking
A clear service, delivered by bankers
Private banking at River Gem is a named banker, a direct line and a coordinated view of the accounts. It is not a separate institution; it is a different level of attention.
Next step
Tell us what you need. A banker will reply within one business day with the right person, the documents we need and a clear timeline.
Arrange an introductionThe service
What is available
Money market
Tiered deposit rates for larger balances with same-day liquidity.
Certificates
Fixed-term deposits with the rate stated at opening.
Payments
Domestic and international wires, cashier's checks and standing instructions.
Cards
Personal and business debit cards with limits set by the relationship.
Coordination
One banker who can bring in lending, treasury or retirement specialists.
Who it is for
Business owners, executives, professionals and families with a complicated enough financial life that a generic call center is no longer adequate.
- Multiple accounts or entities
- Regular domestic or international payments
- A need for coordinated lending and deposits
- A family member who also needs access
How we work
We start with a conversation about the whole position, then propose the smallest set of accounts that does the job. The banker stays after opening and reviews the relationship at least once a year.
Related services
Where this connects
Open an account
Your next pension day can be the first clear one.
Most personal applications take about eight minutes. You will get a decision, a routing number for DFAS and a named banker not a waiting list.
River Gem Bank is a California state-chartered bank. Deposits are FDIC insured up to $250,000 per depositor, per ownership category.